second, it will in fact help us stop fraud. this is an area that has been relentlessly abused, where people order their changes in the order. sometimes orders are actually made that aren't -- that are entirely different than what people requested. having this secure card will enable people to be able to have the security of the transaction, know where it's at. greater accuracy of billing, track mistakes, stop fraud. i cannot say strongly enough that i think it's important for us to move. i appreciate the work that was done putting a study over the next two years about this provision. but with all due respect, i hope as this legislation works its way through congress, and i hope it is yet enacted while we are still here for the 112th congress, that we're able to be serious, not just about a two-year study. this is an area that we ought to be able to implement pilot projects right now across the country. it would make a difference for the administration. i think there's no question we could come to scale very quickly, help senior